...are giving me a headache.

That said, I was a big city LEO who wore an OPEN trigger guard holster with ONLY a snap strap whilst rocking a Model 10, 4 inch, heavy barrel. That was for about ten (10) years before transitioning to an auto loader.

Never shot myself or had someone take my gun.

As an aside, have never, ever considered appendix carry for any mode of carry/any gun.

Be safe.